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Request to Pay developer portal launched

Request to Pay developer portal launched

Draft documentation and API sandbox launched to develop new way to manage bills

Payment Service Providers and billers are today (Thursday 6 September 2018) being invited to register to play their part in developing ‘Request to Pay’ – a new way to improve the control, flexibility and transparency of bill payments.

The Request to Pay portal - - has been launched by the New Payment System Operator (NPSO), the UK’s leading retail payment authority, which has responsibility to develop best in class payment infrastructure and standards for the benefit of everybody.

The NPSO is responsible for setting the standards and rules in retail payments and the Request to Pay service is an innovation which will be ready for the market to competitively launch from next year. It is expected to be a secure messaging service for payments - almost akin to email - overlaid on top of existing infrastructure. For each ‘request’, customers will be able to pay in full, pay in part, ask for more time, communicate with the biller, or decline the payment – giving more control to the person being asked to pay. Payers can expect to have a choice of payment methods, or be able to automatically trigger a payment as part of their acceptance of a request.

Potential participants are being invited to review the draft specifications and provide feedback using an API sandbox for the ‘message repositories’ which will play a role in storing, sending and receiving messages, and the ‘end-user applications’ which will make it possible for consumers and businesses to communicate with repositories. Using API (‘application programming interface’) technology as a secure way of sharing data, the proposition is for the Request to Pay service to be underpinned by a single central directory, which will enable registration of participants and identification of the services they provide. 

All potential participants’ initial feedback will be used to help inform the draft technical specifications, which are currently provided for illustrative purposes. Two further iterations of documentation are planned to be published on the portal during 2018, as the specifications are further refined. The final versions will be published in early 2019, to enable interested participants to prepare their own competitive launches from spring 2019 onwards.

Paul Horlock, CEO of the New Payment System Operator, said:

“We expect Request to Pay to support individuals with their financial decision-making, create a better channel for direct dialogue between payers and billers, and help more people and businesses avoid the cliff edges that can be created by an irregular income, or an unexpected or unpaid bill.

“By setting the standards and rules needed to make Request to Pay work, the NPSO will act as a market catalyst, encouraging developers to spot innovative new uses for Request to Pay which could benefit a wide range of sectors – from utilities to financial services, government, charities and beyond.”


The development of the Request to Pay service is one of the end user deliverables being overseen by the NPSO as part of its role in creating a New Payments Architecture (NPA). Any stakeholders that are interested in finding out more about the NPA, and how Request to Pay fits with the wider project, should visit the NPSO website: 



For further information, please contact or 020 3217 8309.



The Request to Pay website and developer portal is available to view at  

The website also hosts content and FAQs which set out the benefits and use cases the service will have for consumers, small and large businesses, and charities.

The draft Request to Pay technical solution presented on the developer portal is based on the analysis of the PSF’s end user needs working group, which was published in December 2017:

The developer portal and sandbox are intended to foster a cooperative community effort to evolve and finalise necessary technical standards. The Technical Documentation and API specifications are draft standards, which are subject to change. Whilst the specifications and standards are provided for illustrative purposes only, subject to terms and conditions, they are intended to enable interested parties to begin prototyping technical solutions for implementation of the standard.

About the New Payment System Operator

The NPSO maintains and develops the payment systems and standards which are the lifeblood of the UK economy. We are the leading authority for retail payments, working in the public interest to ensure the payment systems the UK relies on for its banking are safe, open, innovative and resilient. Our vision for the future is to enable a vibrant UK economy with the NPSO as the leading payment authority in the UK, delivering the best-in-class payment infrastructure and standards in the UK for the benefit of people everywhere.

Every day, individuals and businesses use the services we provide to get their salaries, pay their bills and make online and mobile banking payments. We move more than £6.7 trillion every year, through Bacs Direct Credit, Direct Debit, Faster Payments, cheques and Paym.

Bacs Payment Schemes Limited, the Cheque and Credit Clearing Company Limited and Faster Payments Scheme Limited are wholly owned subsidiaries of NPSO Limited, which was incorporated on 18 July 2017 as a company limited by guarantee.

6th September 2018

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